The Andover Companies
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified official public guidance is limited; no standalone public underwriting appetite guide or producer-only submission manual was found on the carrier site. Current published positioning shows The Andover Companies is a Northeast-focused mutual carrier distributing exclusively through independent insurance agents, with products available through agency partners in ME, NH, MA, RI, CT, NY, NJ, and IL. For Home, the carrier publicly emphasizes higher-quality property protection and broader-form coverage features rather than granular eligibility rules. Published home highlights include Superior Home Insurance Protection Plan features such as uncapped reconstruction cost, 100% ordinance or law coverage, replacement cost on contents, open perils contents coverage, home systems/service line, identity recovery, home cyber, scheduled personal property, and water backup options. The site also references secondary-home placement in another New England state, suggesting appetite for owner-occupied and seasonal/secondary residences where offered, but no public class-by-class acceptability matrix, protection class limits, coastal/wildfire guidance, age-of-home restrictions, or hard declines were posted on the verified pages reviewed. For Commercial Umbrella, the closest verified public product reference is Excess Liability Insurance within the company’s business product lineup; however, no public class appetite, minimum underlying limits, attachment requirements, target industries, fleet/auto expectations, or excluded operations were published on the verified official pages. Commercial/business marketing language indicates a general appetite for property-and-liability needs of businesses and property owners, including BOP, business property, GL, condo association, cyber, equipment breakdown, flood, earthquake, and employee dishonesty, but without detailed underwriting screens. Geographic notes: the carrier states business is accessed through independent agencies throughout the Northeast and Illinois; a 2026 corporate release specifically lists business written across MA, ME, NH, RI, CT, NY, NJ, and IL. Submission/broker notes: business is available exclusively through appointed or participating independent insurance agents; insureds are directed to find a local agent rather than submit direct. Public-facing instructions consistently route inquiries, quotes, and claims through the independent agent network, with carrier contact available if the agent cannot be reached. Operationally, treat Andover as an agent-distributed regional standard-market personal/commercial property carrier with broad public product descriptions but limited public underwriting detail; for precise eligibility, classes, umbrella appetite, restrictions, and submission specs, brokers should obtain current agent-facing guidance directly from Andover or through an appointed agency relationship.